2024 Health Benefits Enrollment Information for Commonwealth of Virginia
The 2024 Open Enrollment for Health Benefits and Flexible Spending Accounts in the Commonwealth of Virginia is scheduled from May 1 to May 15. This period allows individuals to make decisions regarding health plans, flexible spending accounts, and other benefit options. Changes made during this time become effective from July 1, 2024, for the new plan year. Key actions include enrolling in or changing health plans, electing or removing optional coverages, enrolling in Flexible Spending Accounts (FSAs), and making online elections through the designated portal. New users are guided to register and access necessary information for enrollment. Visit the provided links for details and resources.
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2024 Open Enrollment for Health Benefits and Flexible Spending Accounts Commonwealth of Virginia Health Benefits Program
2024 Open Enrollment May 1 May 15 It s time to make annual decisions on health plans and flexible spending accounts (FSAs) Nothing is required if you are: Not changing your health plan or dependents Not enrolling in an FSA Not participating in Premium Rewards Changes made during Open Enrollment become effective in the new plan year beginning July 1, 2024 2
Health Plans Enroll in or change your health plan Elect or remove optional buy-ups Waive coverage Add or remove family members 3
Flexible Spending Accounts Enroll in a Health or Dependent Care FSA or both You must submit an enrollment each year you wish to have an FSA 4
Make Your Elections Online by visiting my.cardinal.virginia.gov OR Submit an Enrollment Form to your agency Benefits Administrator securely via this box link The deadline is 11:59 pm Wednesday, May 15 5
New to Cardinal? You will be required to register before you can log into Cardinal for the first time. Not sure if you need to register? Visit https://www.cardinalproject.virginia.gov/portal for guidance. 6
Visit Cardinal Online to Prepare Register as a new user with your Cardinal ID if this is your first time accessing the system Your 11-digit Cardinal ID # can be found by visiting https://my.wm.edu/ and logging in to Banner Self-Service. Once in Banner, select: 1. "Personal Information" 2. "View/Update Personal Information." 3. Your 93# and Cardinal ID will be displayed in the top right corner of this page 7
Cardinal New User Registration Quick Start Guide CLICK HERE TO ACCESS PDF Please ensure your login works and confirm your contact information Phone Number Email Address Home Address 8
Contact Info Updates Do you need to update your phone number, email, and/or home address? You can do so under the Personal Information tab in Banner Self Service (go to my.WM.edu and click the Banner button.) Please also send a message to askHR@wm.edu if any contact information is incorrect in Cardinal. 9
Accessed Cardinal before? Simply login at my.cardinal.virginia.gov. If you forgot your password and you registered for Cardinal previously (it s a long process, you wouldn t forget it!), use these steps: Go to my.cardinal.virginia.gov Use the Forgot Password link, which will send an automated email. TIP! This automated email may take up to 20 minutes to deliver, make sure to check your spam! Need more support? Go to: https://www.cardinalproject.virginia.gov/portal 10
Online Open Enrollment in Cardinal Log into Cardinal at my.cardinal.virginia.gov Open Enrollment help: Spotlight, pages 4-5 or Cardinal Support materials at www.cardinalproject.virginia.gov/oe 11
Cardinal Christy is here to help! This tutorial video provides an overview on how you can make benefit elections during open enrollment using Cardinal HCM 12
Unable to Complete and Submit Enrollment Online? Complete fillable form which can be found here. Print, sign, and submit to University Human Resources using the secure box upload link. All supporting documentation for dependents can be submitted via box as well. Be sure paper enrollment forms are uploaded to box, postmarked, or faxed by 11:59 pm on May 15, 2024 13
Health Plan Options Plans Offered Anthem COVA Care Anthem HDHP Aetna COVA HealthAware Kaiser Permanente HMO Sentara Health Vantage HMO TRICARE Supplement Available Statewide & elsewhere Statewide & elsewhere Statewide & elsewhere Regional, Northern Virginia Regional, Hampton Roads Statewide & elsewhere Employee premiums depend on approval of the state budget by the General Assembly and are subject to change. Current premiums can be found in the DHRM Spotlight. 14
Whats New for 2024 COVA Care without Optional Vision & Hearing: The $1,500 benefit for a minor will pay every 24 months additional benefit. COVA Care with Optional Vision & Hearing: The $1,500 benefit will pay first for a minor every 24 months, if the benefit doesn t cover the hearing aid, the minor can utilize the optional benefit of $1,200 every 48 months. Adults only have the optional benefit of $1,200 every 48 months. and there is no Hearing Aid Benefit for Children Coverage for hearing aids and related services for minor children age 18 and younger. COVA HealthAware: The $1,500 benefit for a minor will not be subject to the deductible and paid at $0 coinsurance every 24 months. Coverage includes the cost of one hearing aid, per hearing-impaired ear, every 24 months, up to $1,500. COVA HDHP: The $1,500 benefit for a minor will be subject to the deductible and paid at $0 coinsurance every 24 months. Sentara Health Plans HMO: The $1,500 benefit for a minor will pay every 24 months. There is no additional benefit. The adult hearing aid benefit is $1,200 every 48 months. 16
Earn Premium Rewards! For employee and/or spouse enrolled in: COVA Care or COVA HealthAware Employee or spouse can earn $17/month Together can earn $34/month 19
How Do I Receive a Premium Reward? Employee must be enrolled in COVA Care or COVA HealthAware For a Reward Starting July 1 Complete your health assessment between May 1 and May 15 For a Reward After July 1 Earn a reward any time during the plan year as long as the requirements are met See Premium Reward requirements chart here 20
Where Do I Submit My Health Assessment? Log in to the COVA Care or COVA HealthAware plan website or app **Additional instructions are provided in Spotlight** 21
Statewide Plans Administered by Anthem, Delta Dental and Anthem Pharmacy delivered by CarelonRx Administered by Anthem, Delta Dental and Anthem Pharmacy delivered by CarelonRx Administered by Aetna, Delta Dental and Anthem Pharmacy delivered by CarelonRx Administered by Selman & Company Regional Plans Available only in Hampton Roads (see website for specific zip codes) Available primarily in Northern Virginia (see website for specific zip codes) www.anthem.com/cova COVA Care Brochure COVA Care www.anthem.com/cova COVA HDHP Brochure COVA HDHP www.covahealthaware.com COVA HealthAware Brochure COVA HealthAware https://info.selmanco.com/cova 800-638-2610, press Option 1 TRICARE Supplement for Eligible Military Retirees https://www.sentarahealthplans.com/ group-pages/cova Sentara Health Plans HMO Brochure https://my.kp.org/commonwealthofvir ginia/ Kaiser Permanente HMO Brochure Sentara Health Vantage HMO Kaiser Permanente HMO Additional contact information and resources available on the last page of Spotlight 22
Administered by Anthem Basic Plan Includes: Medical Behavioral Health Prescription Drug Diagnostic & Preventative Dental Routine Eye Exam & Vision Discounts 24
Optional Benefits Expanded Dental Primary Care - such as fillings, extractions, root canals Complex Restorative - crowns, dentures, bridges and implants Orthodontic services 25
Optional Benefits Expanded Vision Eyeglasses Contact lenses Includes allowances for non- Blue View provider services Expanded Hearing Routine hearing exam once per plan year Hearing aids and related supplies up to $1,200 every 48 months 26
Basic Plan Includes: Medical Behavioral Health Prescription Drug Diagnostic & Preventative Dental Routine Eye & Hearing Exams Health Reimbursement Arrangement (HRA) Out-of-Network Coverage 27
Optional Benefits Expanded Dental Primary Care - such as fillings, extractions, root canals Complex Restorative - crowns, dentures, bridges and implants Orthodontic services Expanded Vision Eyeglasses Contact lenses Discounts for eyewear and accessories Network includes private practice providers plus participating national chains 28
What is a Health Reimbursement Arrangement (HRA)? Account that automatically pays eligible out-of- pocket expenses as long as funds are available Medical Behavioral Health Pharmacy Funds paid from HRA toward any eligible expenses for any covered member Unused HRA funds roll-over into future plan years with no limit if enrollment in the plan continues 29
HRA Contribution Initial HRA contribution for 7/1/2024: Employee/Early Retiree - $600 Employee/Early Retiree + Enrolled Spouse - $1200 HRA contribution is prorated for new enrollments or QME changes during the plan year. The HRA proration chart may be found here 30
Additional HRA funds can be earned by completing Do-Rights $50 HRA contribution for up to three do-rights Up to $150 per employee/early retiree Up to $150 per enrolled spouse Do-Rights Include Annual routine physical exam Routine dental exam Annual routine vision exam Annual flu shot Physical activity tracker Digital coaching 31
Sentara Health Plans Vantage HMO You must live or work in Hampton Roads area zip codes to enroll No referrals required to see a specialist Out-of-area coverage for dependent children No out-of-network coverage except for emergencies 33
Sentara Health Plans Vantage HMO Medical, prescription drug, dental, vision and hearing benefits Preventive care covered at 100% 100% of hospitals in Hampton Roads are in-network Employee Assistance Program (EAP) Dedicated member services unit https://www.sentarahealthplans.com/group- pages/cova 34
Flexible Spending Accounts (FSA) Administered by PayFlex for all employees eligible for health benefits Health Care FSA Set aside up to $3,200 per year, pre-tax, for eligible health care expenses Dependent Care FSA Set aside up to $5,000 per year, pre-tax, for eligible expenses for the care of your dependent 35
Flexible Spending Accounts (FSA) You must enroll each plan year to participate in an FSA Use it or lose it rule: Use all the funds by the end of your coverage period (June 30) File for reimbursement by your filing deadline or forfeit your FSA funds 36
Useful Links & Resources Review Important 2024-2025 Health Plan Information and Premiums in the Spotlight on Your Benefits newsletter Questions about changes in the upcoming health plan year? Visit the DHRM Open Enrollment page Looking for paper enrollment form, important healthcare notices and other helpful DHRM resources? Questions on Cardinal HCM Employee Self Service (ESS)? Review the Cardinal Quick Guide to Open Enrollment or email askHR@wm.edu Check out these FAQ s or email openenrollment@dhrm.virginia.gov Questions on Open Enrollment in general? Consult with ALEXVirtual Benefits Counselor Questions on which plan is best for you? 37
Open Enrollment Support Sessions Wednesday May 1, 2024 Open Enrollment Begins! In-Person Support Session for W&M Employees Jones Hall Room 203 8:30 to 12:30 pm UHR is offering in-person support sessions where the team will be available to assist with questions concerning coverage levels, costs, differences in the programs, etc., and assist employees with making selections and changes in Cardinal Please note: We are unable to advise on health plan elections based on individual circumstances Friday May 3, 2024 In-Person Support Session for VIMS Employees Watermen s Hall Technology Classroom (VIMS) 9:00 am to 1:00 pm Monday May 6, 2024 In-Person Support Session for W&M Employees Jones Hall Room 203 12:30 pm to 4:30 pm Tuesday May 7, 2024 In-Person Support Session for VIMS Employees Watermen s Hall Technology Classroom (VIMS) 12:30 pm to 4:30 pm Wednesday May 8, 2024 In-Person Support Session for W&M Employees Jones Hall Room 203 8:30 am to 12:30 pm No Appointment Necessary Tuesday May 14, 2024 In-Person Support Session for W&M Employees Jones Hall Room 203 12:30 pm to 4:30 pm 38
Contact Us William & Mary University Human Resources Email: askhr@wm.edu Phone: 757-221-3169 Fax: 757-221-7724 39
